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PCH Housing Loan 0%

With Banque Libano-Française Housing Loan in partnership with the Public Corporation for Housing (PCH), you can benefit from 0% interest rate to buy a new house without financial constraints.

Loan characteristics
  • financing up to 100% of the primary residence value,
  • currency: LBP,
  • apartment surface area (excluding balconies and common sections):
    • up to 150 m² for incomes < LBP 3,000,000,
    • up to 210 m² for incomes > LBP 3,000,000,
  • maximum loan amount: LBP 270 million,
  • interest rate applicable: 0% for the whole loan period,
  • loan period: minimum 7 years ׀ maximum 15 years,  
  • release of mortgage at the end of the credit by the PCH and the Bank,
  • file fees: 1% of the loan amount,
  • expert fees: USD 150,
  • guarantees: first degree mortgage on the property subject of the loan, life and fire insurances.

Loan additional advantages
  • no down payment required,
  • no mortgage fees or mortgage release fees,
  • free pre-approved revolving credit card.


For a 36-year-old individual financing the acquisition of a LBP 120,000,000 primary residence, the Loan* is settled in capital over a 15-year period through equal monthly installments of LBP 666,667 at an Annual Percentage Rate (APR) of 0.70% (including life and fire insurance premiums, file fees, expert fees, as well as registration, mortgage and mortgage release), the latter being variable and reviewable.
To benefit from a 0% interest, the 10% provision required by the PCH and the 11% provision required by BLF will be deducted from the loan amount.
Conditions apply as at 30/09/2013 and are subject to variation.

* Subject to pre-study and approval of the application

Applicant's eligibility criteria
  • nationality: Lebanese,
  • status: resident,
  • age: 21 - 56 (at loan submission),
  • occupation: the applicant should be:
    • an employee with a minimum 3-year work experience in the same field or a minimum 18-month work experience with the same employer,
    • a self-employed with a minimum 3-year work experience in the same field.
  • required monthly income: minimum LBP 1,000,000 | maximum LBP 6,750,000. 

Every credit facility is an engagement and must be reimbursed. Check your repayment capacities before you apply.

To submit your loan application, learn more about our loan eligibility requirements and requested documents, visit the nearest BLF branch where our customer advisors will be pleased to share with you a customized simulation, including your Annual Percentage Rate - APR based on your profile and selected financing terms.

For any additional information, please contact your nearest BLF branch or our Call Center on 1272 or send us an email on [email protected]

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BDL Approval No.: 729/cc/17 Dated: 13/08/2014